By Viridiana Valdez
Published July 12, 2013
BOULDER- Americans start to doubt Obamacare health plans initiated by President Barack Obama in 2010.
Obamacare is the name given to the Patient Protection and Affordable Care Acts.The purpose of these two acts is to allow more Americans to have health insurance and to reduce health care costs. The president’s goal with Obamacare is for everyone living in the United States to have health insurance, with no exceptions. Also, as The Atlantic states, insurance companies will not be able to refuse coverage to people anymore once it goes into effect.
The Patient Protection and Affordable Care Acts passed in 2010 and go into effect in January of next year. The fact that the law goes into effect in five months has caused people to worry again. The citizens are asking themselves if this plan will really be beneficial to them, and only a small amount agree with it.
Since there are many people doubting Obamacare, two completely different people were interviewed about the subject. Both interviewees were asked the same questions in order to distinguish two different opinions. The first person interviewed was a citizen of the United States, Claudia Valdez, 36, and the second was a student from the University of Northern Colorado, Andrea Macias, 20.
The first question they were both asked was how Obamacare would affect them and their answers were both positive and similar. Mrs. Valdez said this law would help her family greatly. She currently does not have insurance coverage for any members of her family, which include her husband and three children. Valdez said, “It’s hard because my husband is not always stable in his job and I try so that none of my kids get sick because it would be very expensive to pay for medical attention without insurance.” Macias also said it would be of great help because the insurance her job provides for her is expensive, and she is hoping those rates decrease when Obamacare comes in effect.
Another significant question that was asked to the two interviewees was: how will Obamacare affect the United States as a whole? Their answers were similar, yet very different. Valdez stated her opinion in which she said it would be “a tremendous help” to many people. She continued saying Obamacare is a positive thing for the United States because nobody will be left without health care, but at the same time people would not have to spend ridiculous amounts of money for it. Valdez said, “My favorite part of this law is how we will be able to choose plans and rates that will be customized to our incomes, meaning they will be affordable.” With this statement she was referring to exchanges.
In order for the law to go into effect in January, there will be an online system that will organize and provide affordable insurance for families of all incomes. That process is called exchanges and will allow families to match up with insurance companies that will provide for their medical and dental insurance. These exchanges are expected to start functioning in October of this year.
The way the exchanges are going to work is families will enter their information on the websites provided by the government, and that will match them up with various plans and or companies that are affordable according the information given. If the families are unable to afford the plans they were given to choose from they can receive money from the government to help pay the insurance, but families that cannot afford anything even after the help can apply for Medicaid.
Macias thought Obamacare benefited the United States, but at the same time that it did not. She thought that the government helping out American citizens pay their insurance was a positive thing, but she thought it was a negative thing how “undocumented people do not get the right to apply for Medicaid, so it is not so beneficial to those people.” Macias did say Obamacare was a positive thing for the most part.
As mentioned above, not everyone is eligible for the help offered by the government such as Medicaid or buying insurance through the exchange process, as The Atlantic states. Undocumented families are the ones that will not have that opportunity to receive financial help, but since they are living in the United States they are still required to have health care. That means undocumented families will have to pay more expensive rates with a private insurance company or pay for the one their employers offer.
With Obamacare just around the corner, full time employers are worried about their health benefit costs increasing, but that is actually a myth according to Jeffrey Young, Huffington Post. Young mentions that the costs of full time employers will decrease as a result of the law’s requirement that “companies with at least 50 employees provide affordable health benefits.” This means that employers will still be allowed to offer insurance to their employees and employees will not have to go through exchanges.
Obamacare is a health care plan that will help many people’s budgets and financial problems while giving them the care and coverage they should have. Many people agree and many people disagree with it, but the benefits of it will really make a positive impact on the people of the United States, and just as economist Dean Baker said, “The only real problem is political.”
http://www.theatlantic.com/health/archive/2013/04/what-is-obamacare/274509/
http://www.huffingtonpost.com/2013/05/16/obamacare-employers_n_3286508.html